VTI vs XHYF
Vanguard Morningstar Total Stock Market ETF vs BondBloxx USD High Yield Bond Financial & REIT Sector ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XHYF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.35% | |
| AUM | $666.9B | $7M | |
| Dividend Yield | 1.07% | 6.77% | |
| Holdings | 3,543 | 272 | |
| YTD Return | +13.14% | +0.00% | |
| 1Y Return | +22.35% | +5.99% | |
| 3Y Return (annualized) | +21.83% | +9.25% | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 7.9% | |
| Max Drawdown | -56.6% | -12.9% | |
| Fund Family | Vanguard (US) | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Feb 15, 2022 |
VTI vs XHYF Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and BondBloxx USD High Yield Bond Financial & REIT Sector ETF (XHYF) is a ETF from BondBloxx. Over the past year VTI returned +22.35% while XHYF returned +5.99%. Year to date, VTI is up 13.14% versus a gain of 0.00% for XHYF.
Over three years, VTI compounded at +21.83% per year against +9.25% for XHYF. Across the full 4-year window we track, VTI has the edge at +8.09% annualized vs +5.06%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.9% for XHYF. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -56.6% for VTI and -12.9% for XHYF. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XHYF charges 0.35%. On a $10,000 position that is $3 vs $35 annually, a gap of $32 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 6.77% for XHYF.
Holdings Overlap
VTI and XHYF share 0 holdings out of 3013 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XHYF?
VTI has an expense ratio of 0.03% while XHYF charges 0.35%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, VTI or XHYF?
Over the past year VTI returned +22.35% vs +5.99% for XHYF, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +8.09% vs +5.06% for XHYF. Past performance does not guarantee future results.
Which is riskier, VTI or XHYF?
VTI has been the more volatile fund at 15.3% annualized versus 7.9% for XHYF. Worst drawdown: VTI -56.6% vs XHYF -12.9%.
Should I hold both VTI and XHYF?
VTI and XHYF have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XHYF?
VTI and XHYF share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3013 unique securities.
Which pays a higher dividend, VTI or XHYF?
VTI yields 1.07% while XHYF yields 6.77%, so XHYF currently pays the higher dividend yield.
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